About Me
L.J. Ramirez joined the Hermann Sons Life sales team in April 2025 but has a long history with Hermann Sons Life and even participated in HSL dance classes as a little girl.
She earned an Associates of Science in Engineering and completed a six-month bootcamp in Entrepreneurship in Store Operations from MIT. While working for the Department of Defense, she earned four Certificates of Appreciation, a Certificate of Achievement and a Medal of Honor from a three-star commanding general.
L.J. is excited to serve the Hermann Sons Life community. She is a licensed life insurance agent, is annuities certified and in the process of becoming Medicare certified.
Products
Annuities
In today's economy, many investors are turning to annuities as their first-choice retirement vehicle.
- Flexible Premium Deferred
- IRAs
Whole Life
Whole Life insurance is designed to last a lifetime and accumulate cash value.
- Interest-Sensitive Plans
- Limited Pay Plans
- Senior Adult Final Expense
- Single Premium Plans
Term Life
Term Life insurance is affordable and effective. It provides protection during crucial years, like when raising a family and covering a mortgage.
- Renewable 10-Yr Level Term (CT10)
- Convertible to Whole Life insurance
- 20 Yr Level Term (CLT 20)
- Affordable Plans
